Order processing method and device

ABSTRACT

An order processing method comprises: obtaining, by a third party payment institution, an order that is paid but not successfully delivered; and initiating, by the third party payment institution, a refund operation for the order.

CROSS REFERENCE TO RELATED APPLICATIONS

The present application is a continuation application of theInternational Patent Application No. PCT/CN2017/079416, filed on Apr. 5,2017, and titled “Order Processing Method and Device,” which claimspriority to Chinese Patent Application No. 201610239677.X filed on Apr.18, 2016 and entitled “Order Processing Method and Device.” The entirecontents of all of the above applications are incorporated herein byreference in their entirety.

TECHNICAL FIELD

This application relates to the field of online payment technologies,and in particular, to an order processing method and device.

BACKGROUND

With the constant development of internet technologies, people areincreasingly using the internet to meet life's basic demands, such asonline shopping, online navigation, online searching, and onlineregistration, etc. Online shopping, in particular, has become anincreasingly important way for people to make purchases.

When making online payments, people generally use a credit card or thirdparty payment institution to carry out the payment. Typically, thesepayment modes are relatively simple when the payment is domestic, i.e.,made within a country, but certain problems can arise in cross-bordere-commerce. This is because, in cross-border e-commerce, if a user usesa browser to make a payment, it is often necessary to use browserredirection to notify the delivering party that a payment has been made.If the user closes the browser after making the payment, the deliveringparty has no way of learning of the information that the user has paid,and under these circumstances, the delivering party will not deliver.

In this situation, the user needs to actively initiate a refund request,at which point the delivering party conducts review and confirmation.Only after the delivering party has carried out the review andconfirmation, the third party payment institution is notified to issue arefund. The refund review cycle is quite long, and the refund requestflow is rather complicated.

An effective solution to this problem has yet to be addressed.

SUMMARY

The objective of this disclosure is to provide an order processingmethod and device, making it possible to quickly and simply refund theuser after the user pays for an order and delivery is unsuccessful, andimproving the user experience.

According to one aspect, an order processing method may comprise:obtaining, by a computer device of a payment institution, an order thatis paid but not successfully delivered; and initiating, by the computerdevice of the payment institution, a refund operation for the order.

In some embodiments, the order is not successfully delivered by adelivering institution, the delivering institution comprises a foreignairline, and the delivering institution's delivery comprises issuing aticket by the delivering institution for the paid order.

In some embodiments, wherein the order is not successfully delivered bya delivering institution and the obtaining, by a computer device of apayment institution, an order that is paid but not successfullydelivered, the order processing method comprises: querying, by thecomputer device of the payment institution, a virtual UATP (UniversalAir Travel Plan) card status of the paid order to obtain the order thatis paid but not successfully delivered by the delivering institution.

In some embodiments, the querying, by the computer device of the paymentinstitution, a virtual UATP card status of the paid order to obtain theorder that is paid but not successfully delivered by the deliveringinstitution comprises: after every first time period, querying throughthe UATP, by the computer device of the payment institution, one or moreorders that were paid within the first time period but have a virtualUATP card status of an unconfirmed preauthorization; and selecting, bythe computer device of the payment institution, an order from the one ormore orders that were paid within the first time period but have thevirtual UATP card status of the unconfirmed preauthorization as theorder that is paid but not successfully delivered by the deliveringinstitution.

In some embodiments, the querying, by the computer device of the paymentinstitution, a virtual UATP card status of the paid order to obtain theorder that is paid but not successfully delivered by the deliveringinstitution comprises: determining, by the computer device of thepayment institution, whether it has elapsed over a second time periodsince a current order was paid successfully; if it has elapsed over thesecond time period, querying, by the computer device of the paymentinstitution, whether a virtual UATP card status of the current order isan unconfirmed preauthorization status; and if the virtual UATP cardstatus of the current order is the unconfirmed preauthorization status,selecting, by the computer device of the payment institution, thecurrent order as the order that is paid but not successfully deliveredby the delivering institution.

In some embodiments, different orders are designated with second timeperiods of different lengths.

In some embodiments, the delivering institution uses browser redirectionto carry out delivery operations for the paid order.

According to another aspect, an order processing system may comprise aprocessor and a non-transitory computer-readable storage medium storinginstructions that, when executed by the processor, cause the orderprocessing system to perform a method. The method comprises: obtainingan order that is paid but not successfully delivered; and initiating arefund operation for the order.

According to another aspect, an non-transitory computer-readable storagemedium may store instructions that, when executed by a processor, causethe processor to perform an order processing method. The methodcomprises: obtaining an order that is paid but not successfullydelivered; and initiating a refund operation for the order.

According to another aspect, an order processing device disposed withina payment institution may comprise: an acquisition module configured toobtain an order that is paid but not successfully delivered by adelivering institution; and a refund module configured to activelyinitiate a refund operation for the paid order for which delivery isunsuccessful.

The order processing method and device provided by this disclosure mayuse active triggering by a payment institution to query whether a paidorder has been delivered. For a paid order that has not been delivered,the payment institution actively triggers a refund operation, thusmaking it possible to quickly refund orders requiring a refund, solvingthe technical problem of overly complicated order refund flows andlengthy refund cycles in the current technologies, and achieving thetechnical effects of effectively shortening the refund cycle andimproving the user experience.

BRIEF DESCRIPTION OF THE DRAWINGS

To more clearly explain the technical schemes in the embodiments of thisdisclosure or in the current technologies, a simple explanation of theaccompanying drawings required to describe the embodiments or currenttechnologies is given below. The accompanying drawings in the followingdescription are merely some embodiments recorded in this disclosure. Fora person having ordinary skill in the art, without spending creativelabor, it is possible to obtain other accompanying drawings based onthese accompanying drawings.

FIG. 1 is a method flow diagram of an order processing method accordingto some embodiments of the present disclosure.

FIG. 2 is an interaction flow diagram for an existing ticket in thisapplication according to some embodiments of the present disclosure.

FIG. 3 is an interaction flow diagram for an existing cross-borderticket according to some embodiments of the present disclosure.

FIG. 4 is another interaction flow diagram for an existing cross-borderticket according to some embodiments of the present disclosure.

FIG. 5 is an interaction flow diagram for the cross-border ticketaccording to some embodiments of the present disclosure.

FIG. 6 is a structural block diagram for the order processing deviceaccording to some embodiments of the present disclosure.

DETAILED DESCRIPTION

To enable a person in this technical field to better understand thetechnical schemes of this disclosure, in combination with theaccompanying drawings of the embodiments of this disclosure, a clear andcomprehensive description of the technical schemes in the embodiments ofthis disclosure is given below. The described embodiments are merelysome, rather than all, of the embodiments of this disclosure. Based onthe embodiments of this disclosure, and without making creative labor,all other embodiments obtainable by a person having ordinary skill inthe art shall fall within the scope of protection of this disclosure.

In conjunction with the accompanying drawings, the following is adetailed explanation of the order processing method and device of thisdisclosure. FIG. 1 is a method flow diagram of an order processingmethod according to some embodiments of the present disclosure. Eventhough this disclosure provides the method operation steps or devicestructures of the embodiments or accompanying drawings described below,based on conventional or non-creative labor, the method or device maycomprise more or fewer operation steps or module structures. In steps orstructures for which there are no logically required causalrelationships, the implementation sequence of the steps or the modulestructure of the device is not limited the implementation sequence ormodule structure provided by the embodiments of this disclosure. Duringactual implementation of the device or end product of the method ormodule structure, sequential implementation or parallel implementationis possible in accordance with the method or module structureconnections shown in the embodiments or accompanying drawings (e.g., ina parallel processor or multithread processing environment).

This disclosure uses user purchasing of plane tickets from foreignairlines as an example, and actively issues a refund for such scenariosprone to having regular delivery impossible due to certain faultyoperations after the user has paid, without carrying out a series ofcomplex refund operations only after waiting for the customer to requesta refund. Because the refund is actively conducted by a third partypayment structure, it is possible to quickly and simply implement refundoperations. For example, a status acquisition and interpretation systemis added within the third party payment institution, thus enabling thethird party payment institution to promptly discover a situation inwhich payment has been made with no delivery. This disclosure may beapplied not only to situations in which a user purchased a plane ticketfrom a foreign airline, but also to other online payment transactions.

For example, as shown in FIG. 1, an embodiment of the order processingmethod provided by this disclosure may comprise:

S1:obtaining, by a third party payment institution, an order that ispaid but not successfully delivered.

That is, after a user completes the payment, the third party paymentinstitution actively and periodically determines whether the delivery issuccessful, instead of not discovering the unsuccessful delivery untilthe user applies for a refund. For example, after every time period (thetime period can be preset, e.g., after every hour), the third partypayment institution can obtain all of the payment orders within thistime period, then determine, one by one, whether these payment ordershave been successfully delivered. Also, a timestamp may be configuredfor every successfully paid order, then after a preset time (e.g., 30minutes) after this order was paid, whether this order has beendelivered can be determined. For example, order A is paid at 8:00 AM,and 8:30 AM, the third party payment institution can actively determinewhether order A has been delivered.

The two preceding determination mechanisms are simply to better explainthis disclosure. Other trigger mechanisms can be employed to make adetermination, e.g., a mode combining these two modes, or configuringdifferent preset times for different orders.

With the constant development of cross-border e-commerce, more and moreforeign airlines are using online payment modes to conduct plane ticketsales to domestic users. When conducting online plane ticket salesservices, foreign airlines generally elect to link up with UATP(Universal Air Travel Plan) in order to lower the high costs associatedwith the user and airlines using credit card as the payment andsettlement tool. UATP is a business travel payment network shared byglobal airlines. The UATP card is issued by airlines around the world,and it is a low-cost payment scheme provided by airlines to its businesscustomers. UATP promises free services for its airlines. Below, anexplanation is given using the active refund flow as an example when across-border purchase of a plane ticket is made, and prior to this, anexplanation is given for the existing ticket and refund flow for across-border plane ticket purchase:

As shown in FIG. 2, the flow for an overseas user makes a foreignpurchase of a plane ticket from an airline company linked to UATPprimarily comprises: after the user selects a plane ticket, the overseasairline generates a plane ticket amount and asks UATP to perform cardactivation; UATP claims a virtual UATP card, conducts preauthorizationfor the current payment, and returns the activation results to theoverseas airline. The overseas airline uses a browser page to guide theuser to a payment page. The user chooses a credit card to complete thepayment, then preauthorization of the user's credit card is conducted bythe overseas user's card issuing bank. UATP performs preauthorizationconfirmation for the virtual card. Next, the overseas user's cardissuing bank returns the credit card preauthorization confirmation tothe overseas airline, then the overseas airline issues a ticket andnotifies the user of the successful ticket issuance.

However, during cross-border online ticket purchases as described above,the interactions between different institutions involved in the entirepayment flow are conducted through browser page redirection modes. Thiscan lead to problems. For example, if the payment by the user in Step2.3 of FIG. 2 is successful, but the user carelessly closes the browser,this may cause the airline to fail to detect the user's successfulpayment action, in which case the overseas airline will not choose toissue a ticket. When this scenario is overseas, i.e., when the user isan overseas user, preauthorization cancellation costs are very lowbecause the user employs credit card payment; it is possible toimmediately cancel the preauthorization by the overseas user calling theissuing bank directly, solving the problem of payment without a ticketbeing issued. However, when a foreign airline conducts businessdomestically, it links up with a third party payment institution, andwhen the third party payment institution is not the card's issuing bank,it is extremely difficult for the user to conduct a refund. It isnecessary to lodge an appeal with the overseas airline. Afterward, theoverseas airline company initiates a third party payment institutionrefund. The flow is complicated, and the cycle is quite long.

For situations in which payment is conducted through a domestic thirdparty payment institution, as shown in FIG. 3, the flow such as virtualUATP card activation and the like comes after user payment. Then, aftervirtual UATP card activation, a ticket is issued through the overseasairline. In the payment flow under these circumstances, when the airlinelinks with a third party payment institution, information notificationis still conducted employing browser-based page redirection modes. Theproblem of the user closing the browser after successful paymentpersists, making it impossible for the airline to be notified of thepayment results. Also, a situation may arise in which the user cannotobtain a plane ticket following payment. To this end, the third partypayment institution presents an overseas airline payment request scheme,as shown in FIG. 4. After the user's successful payment becomes known,the overseas airline consults with UATP on whether the current virtualUATP card has achieved preauthorization confirmation. If so, theoverseas airline issues a ticket, i.e., the overseas airline triggersthe payment request by itself.

However, even with these operations, the problem of the user closing thebrowser may still arise, leading to a failure to notify the airline ofpayment results. This is because, after the user closes the browser, theoverseas airline has no way of obtaining the card number of the virtualUATP card, and when the overseas airline actively makes a paymentrequest, it is not possible to request payment for this transaction.Thus, if a given time limit has passed, the third party payment companycan refund the payment amount to the user who has not received a planeticket, but the entire flow relies upon a term of validity. Usually,this term of validity is reasonably set. e.g., for 7 days, such that theuser must wait seven days before obtaining a refund, and the userexperience is quite poor.

If the order processing method provided by this example is employed, thevirtual card activation and user payment results are carried out withinthe third party payment institution and can be known by the third partypayment institution. In this case, if the user closes the browser aftermaking a payment and thus prevents ticket issuance, the third partypayment institution can actively determine the results ofpreauthorization confirmation conducted by the overseas airline in UATPfor the virtual UATP card. If the user makes a payment within the thirdparty payment institution, but the virtual card's status as consulted bythe third party payment institution from UATP is not a confirmedpreauthorization status, it means that the faulty user operations haveresulted in the overseas airline failing to confirm preauthorizationwith UATP. This also means that the airline has not issued a ticket. Atsuch time, the third party payment institution can actively initiate arefund to the user, and does not need to wait for a payment request toundertake a refund operation. The entire refund cycle can be vastlyshortened. For example, it is possible to set a confirmation rule for athird party payment institution. As an illustration, the two followingmodes can be employed to conduct confirmation:

1) A third party payment institution queries UATP after every presettime period (e.g., after every hour) for payments made for one or moreorders within the preset time period, but having an unconfirmedpreauthorization status as the virtual UATP card status. The third partypayment institution uses these one or more orders that were paid withinthe preset time but have a virtual UATP card status of unconfirmedpreauthorization as paid orders for which delivery by the deliveringinstitution is unsuccessful. That is, a time cycle is set, and for eachof these time cycles, the third party payment institution conductscentralized confirmation, finding which orders among these have beenpaid but have not entered a confirmed status, to be used as ordersrequiring a refund.

2) A third party payment institution determines whether it has elapsedover a second time period since the successful payment of the currentorder. The second time period may be preset by a user. If the secondpreset time period has elapsed, the third party payment institutionqueries from UATP whether the current order's virtual UATP card statusis an unconfirmed preauthorization status; if it is an unconfirmedpreauthorization status, the third party payment institution uses thecurrent order as a paid order for which delivery by the deliveringinstitution is unsuccessful. That is, a grace period is set for everyorder. When the grace period has expired, it is determined whether thisorder is an order that has been paid but not delivered. If yes, thisorder is used as an order requiring a refund.

S2: initiating, by the third party payment institution, a refundoperation for the order.

That is, the payment institution actively carries out a refund to theuser, because it is a determination operation actively triggered by thethird party payment institution. This way, refund can be processeddirectly after confirmation that these orders require the refund,without having to wait for the delivering party to trigger the refund,thus making it possible to effectively boost refund efficiency.

For example, during implementation, the refund can be placed directly inthe ordering user's third party payment institution account, returned tothe ordering user's bundled bank card, or returned to the payer of adifferent payment amount. The specific place to which the refund is madecan be specially designated.

For example, at a preset time (e.g., within one hour), the third partypayment institution queries the following orders. Their correspondingpreauthorization confirmation statuses are as shown in the table below:

Order no. Payment status Preauthorization confirmation status FJ00252Paid Confirmed HC03251 Unpaid Unconfirmed GH89023 Paid UnconfirmedIK35245 Paid Confirmed NB4523 Paid Confirmed

This table shows that the order GH89023 has a status of paid butunconfirmed, which indicates that this is an order involving faulty useroperations and requires refund operations. At this time, the third partypayment institution can refund this order as needed.

Using the method above, after the user makes a payment, if faultyoperations lead to the browser being closed and the impossibility toconduct redirection, the third party payment institution's refund can bereceived within a short period of time, and the user can be informed ofthe reason for refund, effectively improving the user experience.

The following, in combination with a detailed embodiment, is anexplanation of the entire order flow. In this embodiment, the example ofa domestic user using a third party payment institution to conduct thecross-border purchase of a plane ticket from an overseas airline is usedas an illustration. However, this detailed embodiment is merely tobetter explain this disclosure, and it does not constitute an improperlimitation to this disclosure.

According to the current cross-border plane ticket processing mode ofFIG. 4, in the existing user refund process for cross-border purchase ofplane tickets, the user refund behavior relies upon the airline'spayment request, and the refund initiative lies with the overseasairline. In this example, the refund initiative is transferred to thedomestic third party payment institution. By actively consulting thepreauthorization confirmation status of the UATP card, the third partypayment institution makes a decision and determines whether to undertakerefund operations for the user. This transfer of the refund initiativecan effectively boost refund efficiency.

For example, the entire order processing process can include thefollowing steps, as shown in FIG. 5:

Step 1: A domestic user goes to the website of an overseas airline andselects a plane ticket;

Step 1.1: The overseas airline records the plane ticket information;

Step 1.2: The overseas airline guides the user to a payment page;

Step 2: The domestic user chooses a third party payment institution forthe payment;

Step 2.1: The third party payment institution completes the user'spayment;

Step 2.2: The third party payment institution generates a virtual UATPcard and requests activation;

Step 2.3: A domestic third party payment institution goes to UATP forUATP virtual card activation;

Step 2.3.1: UATP returns an activation successful result to the thirdparty payment institution;

Step 2.3.1.1: The third party payment institution notifies the domesticuser that the charge deduction was successful;

Step 2.3.1.1.1: The user closes the browser, and the overseas airlinecannot learn that the user has paid, nor conduct preauthorizationconfirmation; therefore, it cannot issue a ticket;

Step 3: The third party payment institution obtains information on planetickets paid for by users within one hour and virtual UATP card numbers;

Step 4: In UATP, the third party payment institution queries virtualcard preauthorization statuses and determines whether the virtual cardshave undergone preauthorization confirmation;

Step 5: If the virtual UATP card of the current successfully paid planeticket has not undergone preauthorization confirmation, a refund isprocessed;

Step 6: The third party payment institution issues a refund to the user.

The above example demonstrates a third party payment institutionquerying confirmation for all orders within a preset time period. In anactual implementation, separate confirmation queries can be conductedfor each order rather than employing a centralized approach. Thespecific processing mode can be determined in accordance with needs.

Furthermore, in the preceding example, a user making a cross-borderpurchase of a plane ticket is used as an illustration. This type ofactive confirmation by a third party payment institution on whether arefund is required can also be applied to other payment situations. Aslong as there is a protocol or rule for conducting confirmationaccording to a preset mode, this type of order processing mode can beapplied to any payment flow to simplify refund operations and enable theuser to more quickly obtain a refund.

Based on the same inventive concept, the embodiments of this disclosurealso provide an order processing device, as described in the embodimentsbelow. Because the solution principles of the order processing deviceare similar to the order processing method, for the implementation ofthe order processing device, reference can be made to the implementationof the order processing method, and their duplicated aspects will not berestated. As used below, the terms “element” or “module” arecombinations of software and/or hardware that can achieve presetfunctions. Even though it is preferable for the described device to beimplemented through software in the following embodiments,implementation through hardware or a combination of software andhardware can also be envisioned. FIG. 6 is a structural block diagram ofthe order processing device of an embodiment of this disclosure. Thisorder processing device is located within a third party paymentinstitution. As shown in FIG. 6, this order processing device cancomprise: an acquisition module 601 and a refund module 602. Anexplanation of this structure is given below.

Acquisition module 601 can be configured to obtain a paid order forwhich delivery by the delivering institution is unsuccessful;

Refund module 602 can be configured to actively initiate a refundoperation for the paid order for which delivery is unsuccessful.

In one embodiment, the delivering institution can comprise a foreignairline, and delivery by the delivering institution can compriseissuance of a ticket by the delivering institution.

In one embodiment, acquisition module 601 can be configured to query avirtual UATP card status of the paid order through UATP to obtain theorder that is paid but not successfully delivered by the deliveringinstitution.

In one embodiment, the acquisition module can comprise: a first queryelement configured to, after every first preset time period, querythrough the UATP one or more orders that were paid within the firstpreset time but have a virtual UATP card status of an unconfirmedpreauthorization; first determination element configured to use the oneor more orders that were paid within the first preset time but have thevirtual UATP card status of the unconfirmed preauthorization as theorder that is paid but not successfully delivered by the deliveringinstitution.

In one embodiment, the acquisition module 601 can comprise: adetermination element configured to determine whether it has elapsedover a second preset time period since a current order is paidsuccessfully; a second query element configured to query through UATPwhether a virtual UATP card status of the current order is anunconfirmed preauthorization status, if it is determined that the secondpreset time has elapsed; a second determination element configured touse the current order as the order that is paid but not successfullydelivered by the delivering institution, if the virtual UATP card statusof the current order is determined to be the unconfirmedpreauthorization status.

In one embodiment, different orders are designated with second presettime periods of different lengths.

In one embodiment, the delivering institution uses browser redirectionto carry out delivery operations for the paid orders.

In some embodiments, the various modules and units of the orderprocessing device may be implemented as software instructions (or acombination of software and hardware). That is, the order processingdevice described with reference to FIG. 6 may comprise a processor and anon-transitory computer-readable storage medium storing instructionsthat, when executed by the processor, cause one or more components(e.g., the processor) of the order processing device to perform varioussteps and methods of the modules and units described above. The orderprocessing device may also be referred to as an order processing system.In some embodiments, the order processing device/system may include amobile phone, a tablet computer, a PC, a laptop computer, a server, oranother computing device.

The order processing method and device provided by this disclosure usesactive triggering by a third party payment institution to query whethera paid order has been delivered. For a paid order that has not beendelivered, the third party payment institution actively triggers arefund operation, thus making it possible to quickly refund orders thatneed to be refunded, and solving the technical problem of overlycomplicated order refund flows and lengthy refund cycles in the currenttechnologies. It achieves the technical effects of effectivelyshortening the refund cycle and improving the user experience.

Even though the details of this disclosure use an order processing flowfor a cross-border plane ticket as an illustration, this disclosure canalso be applied to other order processing processes, and is not limitedto the demonstrated examples. In actual application processes, there isno limitation to fully follow the mode mentioned to process orders. Thedescriptions involved in the embodiments of this disclosure are merelysome applications. Embodiments that have been slightly modified, on thebasis of certain standards, models, and methods, can also execute theschemes of the embodiments of this disclosure. Of course, the sameapplication can be achieved while conforming to other non-creativevariants of the processing method steps of the embodiments of thisdisclosure, for which further details will not be given.

Even though this disclosure provides method operation steps as presentedin the embodiments or flow diagrams, based on conventional ornon-creative effort, more or fewer operation steps may be included. Thestep sequence given as an example in an embodiment is merely one ofvarious step execution sequences, and does not represent the onlyexecution sequence. During an actual implementation of the device orcustomer-end product, sequential implementation or parallelimplementation is possible in accordance with the methods shown in theembodiments or accompanying drawings (e.g., in a parallel processor ormultithread processing environment).

The device or modules illustrated in the preceding embodiments can beachieved by a computer chip or entity, or by a product possessingcertain functions. For the sake of convenience, when describing thepreceding device, the functions are separately described as divided intodifferent modules. When implementing this disclosure, the functions ofeach module can be achieved in the same or multiple software and/orhardware units. Of course, a module achieving a certain function can beachieved through a combination of multiple sub-modules or sub-elements.

The methods, device, or modules in this disclosure can be implemented bya controller through a computer-readable program code mode, achieved byany appropriate means. For example, a microprocessor or processor can beadopted as the controller, and memory can be in the form of acomputer-readable medium, logic gate, switch, application specificintegrated circuit (ASIC), programmable logic controller, or embeddedmicrocontroller of computer-readable program code (e.g., software orfirmware) executed by this (micro) processor. Examples of controllersinclude but are not limited to the following microcontrollers: ARC 625D,Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320. Thememory controller can also be achieved as a control logic portion of thememory. A person skilled in the art will know that, in addition to usingpure computer-readable program code to implement a controller, it ispossible to use logic programming for the method steps to enable acontroller to achieve the same functions in the form of a logic gate,switch, application specific integrated circuit, programmable logiccontroller, or embedded microcontroller. Therefore, this type ofcontroller may be treated as a type of hardware unit, and its includedapparatus used to achieve various functions can also be treated as astructure within a hardware unit. Or it is possible to treat theapparatus used to achieve various functions as a software module forimplementing the method as well as a structure within a hardware unit.

Some of the modules in the device of this disclosure can be described inthe general context of computer-executable instructions executed by acomputer, such as a program module. In various embodiments, programmodules comprise routines, programs, objects, components, and datastructures for executing specific tasks or achieving specific dataabstraction. This disclosure can also be implemented in distributedcomputing environments. In these distributed computing environments,remote processing devices connected through a communications network areused for the execution of tasks. In a distributed computing environment,a program module can be located locally, including storage devices, andin remote computer storage media.

The preceding embodiment descriptions make it clear that a personskilled in the art can clearly understand that this disclosure may beachieved with the help of software plus the necessary hardware modes.Based on such an understanding, the essence of the technical scheme ofthis disclosure, or the part contributing to current technologies, maybe implemented in the form of a software product, and may also beimplemented through a data migration implementation process. Thiscomputer software product may be stored in a storage medium, such as aROM/RAM, magnetic disk, or optical disk, and may include a number ofinstructions to cause a computer device (which may be a personalcomputer, mobile terminal, server, or network device) to perform themethods of the embodiments, or certain parts of the embodiments, of thisdisclosure.

The separate embodiments in this Description are describedprogressively, and it is sufficient for the embodiments to referenceeach other regarding their identical or similar parts. The descriptionof each embodiment focuses on the ways differ from other embodiments.This disclosure, in whole or in part, may be used in a number of generalpurpose or specialized computer system environments or configurations,for example, personal computers, server computers, handheld devices orportable devices, tablet devices, mobile communication terminals,multiprocessor systems, microprocessor-based systems, programmableelectronic devices, network PCs, minicomputers, mainframe computers, anddistributed computing environments comprising any of these systems ordevices, etc.

The invention claimed is:
 1. An order processing method, comprising:completing, by a computer device of a payment institution, a paymenttransaction for an order placed by a user with a delivering institution;responsive to completing the payment transaction, redirecting, by thecomputer device of the payment institution, a browser of the user from awebsite of the payment institution to a website of the deliveringinstitution, wherein the delivering institution delivers the order onlywhen the redirecting is successful; responsive to completing the paymenttransaction, activating, by the computer device of the paymentinstitution, a virtual card through a virtual card payment network,wherein, when the order is delivered to the user, the deliveringinstitution changes a virtual card status of the virtual card toindicate the order is delivered to the user; and without intervention bythe user, (i) querying, by the computer device of the paymentinstitution, the virtual card status of the order through the virtualcard payment network to determine whether the order has beensuccessfully delivered by the delivering institution, and (ii)responsive to determining the order has not been successfully delivered,initiating, by the computer device of the payment institution, a refundoperation for the order.
 2. The method according to claim 1, wherein:the payment institution is domestic, the delivering institutioncomprises a foreign airline, and the order comprises a ticket issued bythe delivering institution.
 3. The method according to claim 1, whereinthe querying, by the computer device of the payment institution, thevirtual card status of the order comprises: after each of a plurality offirst time periods, querying the virtual card status, by the computerdevice of the payment institution, of one or more orders that were paidwithin the respective first time period but have a virtual card statusof an unconfirmed preauthorization as the one or more orders have notbeen successfully delivered by the delivering institution; andselecting, by the computer device of the payment institution, an orderfrom the one or more orders that were paid within the respective firsttime period but have the virtual card status of the unconfirmedpreauthorization.
 4. The method according to claim 1, wherein thequerying, by the computer device of the payment institution, a virtualcard status of the order comprises: determining, by the computer deviceof the payment institution, whether a second time period has elapsedsince a current order was paid successfully; if the second time periodhas elapsed since the current order was paid successfully, querying, bythe computer device of the payment institution, whether a virtual cardstatus of the current order is an unconfirmed preauthorization status asthe current order has not been successfully delivered by the deliveringinstitution; and if the virtual card status of the current order is theunconfirmed preauthorization status, selecting, by the computer deviceof the payment institution, the current order.
 5. The method accordingto claim 4, wherein different orders are designated with second timeperiods of different lengths.
 6. An order processing system, comprisinga processor and a non-transitory computer-readable storage mediumstoring instructions that, when executed by the processor, cause theorder processing system to perform a method for a payment institution,the method comprising: completing a payment transaction for an orderplaced by a user with a delivering institution; responsive to completingthe payment transaction, redirecting a browser of the user from awebsite of the payment institution to a website of the deliveringinstitution, wherein the delivering institution delivers the order onlywhen the redirecting is successful; responsive to completing the paymenttransaction, activating a virtual card through a virtual card paymentnetwork, wherein, when the order is delivered to the user, thedelivering institution changes a virtual card status of the virtual cardto indicate the order is delivered to the user; and without interventionby the user, (i) querying the virtual card status of the order throughthe virtual card payment network to determine whether the order has beensuccessfully delivered by the delivering institution, and (ii)responsive to determining the order has not been successfully delivered,initiating a refund operation for the order.
 7. The system according toclaim 6, wherein: the payment institution is domestic, the deliveringinstitution comprises a foreign airline, and the order comprises aticket issued by the delivering institution.
 8. The system according toclaim 6, wherein the querying the virtual card status of the ordercomprises: after each of a plurality of first time periods, querying thecard status, by the computer device of the payment institution, of oneor more orders that were paid within the respective first time periodbut have a virtual card status of an unconfirmed preauthorization,querying through the one or more orders that were paid within the firsttime period but have a virtual card status of an unconfirmedpreauthorization as the one or more orders have not been successfullydelivered by the delivering institution; and selecting an order from theone or more orders that were paid within the first time period but havethe virtual card status of the unconfirmed preauthorization.
 9. Thesystem according to claim 6, wherein the querying a virtual card statusof the order comprises: determining whether a second time period haselapsed since a current order was paid successfully; if the second timeperiod has elapsed, querying whether a virtual card status of thecurrent order is an unconfirmed preauthorization status; and if thevirtual card status of the current order is the unconfirmedpreauthorization status, selecting the current order as the currentorder has not been successfully delivered by the delivering institution.10. The system according to claim 9, wherein different orders aredesignated with second time periods of different lengths.
 11. Anon-transitory computer-readable storage medium storing instructionsthat, when executed by a processor, cause the processor to perform anorder processing method for a payment institution, the methodcomprising: completing a payment transaction for an order placed by auser with a delivering institution; responsive to completing the paymenttransaction, redirecting a browser of the user from a website of thepayment institution to a website of the delivering institution, whereinthe delivering institution delivers the order only when the redirectingis successful; responsive to completing the payment transaction,activating a virtual card through a virtual card payment network,wherein, when the order is delivered to the user, the deliveringinstitution changes a virtual card status of the virtual card toindicate the order is delivered to the user; and without intervention bythe user, (i) querying the virtual card status of the order through thevirtual card payment network to determine whether the order has beensuccessfully delivered by the delivering institution, and (ii)responsive to determining the order has not been successfully delivered,initiating a refund operation for the order.
 12. The storage mediumaccording to claim 11, wherein: the payment institution is domestic, thedelivering institution comprises a foreign airline, and the ordercomprises a ticket issued by the delivering institution.
 13. The storagemedium according to claim 11, wherein the querying the virtual cardstatus of the order comprises: after each of a plurality of first timeperiods, querying the card status, by the computer device of the paymentinstitution, of one or more orders that were paid within the respectivefirst time period but have a virtual card status of an unconfirmedpreauthorization, querying through the one or more orders that were paidwithin the first time period but have a virtual card status of anunconfirmed preauthorization as the one or more orders have not beensuccessfully delivered by the delivering institution; and selecting anorder from the one or more orders that were paid within the first timeperiod but have the virtual card status of the unconfirmedpreauthorization.
 14. The storage medium according to claim 11, whereinthe querying a virtual card status of the order comprises: determiningwhether a second time period has elapsed since a current order was paidsuccessfully; if the second time period has elapsed, querying whether avirtual card status of the current order is an unconfirmedpreauthorization status; and if the virtual card status of the currentorder is the unconfirmed preauthorization status, selecting the currentorder as the current order has not been successfully delivered by thedelivering institution.